The ECB calculates the annual expenditure on its supervisory tasks to determine the total amount of the annual supervisory fees.
The annual supervisory fee for each bank consists of:
The minimum fee component is based on a fixed percentage of the total amount of the annual fees for significant and less significant banks.
Minimum fee component | |
---|---|
Significant banks |
The fixed percentage is 10% of the total amount of annual fees for significant banks and is split equally among the fee debtors in this category. For smaller significant institutions with total assets of €10 billion or less at the highest level of consolidation, the minimum fee component is halved. |
Less significant banks |
The fixed percentage is 10% of the total amount of annual fees for less significant banks and is split equally among the fee debtors in this category. For smaller less significant institutions with total assets of €1 billion or less at the highest level of consolidation, the minimum fee component is halved. |
The variable fee component covers the remaining amount of the fee after the deduction of the minimum fee component. This difference also includes the discount granted to smaller banks in each category.
Each bank pays a share of this amount based on its importance and risk profile. This means that larger and riskier banks pay a higher variable fee component.
The information below is provided for indicative purposes only and can only help you to estimate your fee. The ECB calculates your fee on the basis of the fee factors you provide, and the exact amount levied by the ECB is stated in your annual supervisory fee notice.
The fee estimate cannot be exact because it is based on the expected costs for the fee period, whereas the ECB levies the fee on actual costs. In addition, because the average number of banks on which the fee will be levied and their fee factors will not be known until the fee is levied, the fee debtors and fee factors for the previous year are used.
Furthermore, retroactive corrections are made to fees when a bank’s situation changes after the cut-off date for the annual calculation of the supervisory fees, or when such changes are not validated by the national competent authority until after the cut-off date.
To estimate your annual supervisory fee, you need the following information.
To estimate this you need:
Average number of fee debtors as at end-July 2019 |
Significant banks |
Less significant banks |
---|---|---|
Fee debtors Note: The number of fee debtors is different to the number of supervised banks. |
112 | 2,440 |
Average number of fee debtors | Significant banks |
Less significant banks |
---|---|---|
as at end-July 2018 | 115 | 2,766 |
as at end-July 2017 | 119 | 2,916 |
as at end-July 2016 | 126 | 3,077 |
as at end-July 2015 | 117 | 3,193 |
as at end-July 2014 | 115 | 3,191 |
Note: The number of fee debtors is different to the number of supervised banks. |
To estimate this you need:
Aggregate average fee factor values (EUR billions); reference date 31 December 2018 |
Significant banks |
Less significant banks |
---|---|---|
Total assets | 19,573 | 4,415 |
Total risk exposure | 6,610 | 2,133 |
Aggregate average fee factor values (EUR billions); reference date 31 December 2017 |
Significant banks |
Less significant banks |
---|---|---|
Total assets | 19,197 | 4,675 |
Total risk exposure | 6,382 | 2,180 |
Aggregate average fee factor values (EUR billions); reference date 31 December 2016 |
Significant banks |
Less significant banks |
---|---|---|
Total assets | 19,781 | 4,625 |
Total risk exposure | 6,577 | 2,141 |
Aggregate average fee factor values (EUR billions); reference date 31 December 2015 |
Significant banks |
Less significant banks |
---|---|---|
Total assets | 20,233 | 4,469 |
Total risk exposure | 6,773 | 2,137 |
Aggregate average fee factor values (EUR billions); reference date 31 December 2014 |
Significant banks |
Less significant banks |
---|---|---|
Total assets | 20,527 | 4,669 |
Total risk exposure | 6,811 | 2,219 |
Equipped with the above data, you can now estimate your fee using the equations in the examples below.
Your data
Our data
Minimum fee component = (10% * €51,823,349 )/2,440 = €2,123.91
Before calculating the variable fee component, we need to take account of those banks for which the minimum fee component would be halved as follows: €51,823,349 - (2,440 - 1,616) * €2,123.91 - 1,616 * €2,123.91/2 = €48,357,131.56
Variable fee component = (50% * €1,600,000,000/€4,415,000,000,000 + 50% * €700,000,000/€2,133,000,000,000) * €48,357,131.56 = €16,697.17
Annual supervisory fee = €2,123.91 + €16,697.17 = €18,821.07
Your data
Our data
Minimum fee component = (10% * €51,823,349 )/2,440 * 0.5 = €1,061.95
Before calculating the variable fee component, we need to take account of those banks for which the minimum fee component would be halved, as follows: €51,823,349 – (2,440 - 1,616) * €2,123.91 - 1,616 * €2,123.91/2 = €48,357,131.56
Variable fee component = (50% * €600,000,000/€4,415,000,000,000 + 50% * €250,000,000/€2,133,000,000,000) * €48,357,131.56 = €6,119.74
Annual supervisory fee = €1,061.95 + €6,119.74 = €7,181.70
Your data
Our data
Minimum fee component = (10% * €524,196,987)/112 = €468,033.02
Before calculating the variable fee component, we need to take account of those banks for which the minimum fee component was halved, as follows: €524,196,987 – (112 - 16) * €468,033.02 - 16 * €468,033.02/2 = €475,521,552.49
Variable fee component = (50% * €166,000,000,000/€19,573,000,000,000 + 50% * €55,000,000,000/€6,610,000,000,000) * €475,521,552.49 = €3,994,808.31
Annual supervisory fee = €468,033.02 + €3,994,808.31 = €4,462,841.33